Seized apartment share 2R+K+S in Koria, Kouvola

The property is sold by competitive bidding in an online auction on the www.huutokaupat.com website between 5 March and 31 March 2026. Participation in the auction requires registration. The deadline for submitting bids ends on 31 March 2026 at 18:00 or three minutes after the last accepted bid.

The Enforcement Authority is not responsible for the service provider’s system availability. The highest bid is the one the provider’s system has accepted as highest. The enforcement officer will decide separately whether to accept or reject the highest bid.

Bids placed in the online auction are binding. If a bid is accepted, the bidder is obliged to pay the offered purchase price within the agreed payment period. Failure to pay the offered purchase price may lead to the buyer’s liability for compensation under Chapter 5, section 25 of the Enforcement Code. The buyer must then compensate the difference if the highest bid in a new sale is lower than the previous auction's highest bid plus the interest referred to in Chapter 5, section 24(2) of the Enforcement Code. If a bid exceeds that amount, the buyer has no right to the surplus. The buyer must also reimburse the costs of the later sale, unless they are covered from the surplus. The enforcement officer shall recover the said compensation from the deposit or other assets of the buyer if reasonably possible; otherwise the compensation will be recovered later by decision of the enforcement officer at the creditor’s request.

If it is not possible to submit purchase bids via Huutokaupat.com, a prospective buyer may submit a written purchase offer to the enforcement authority, which will be attached to the online auction as a maximum bid according to the automatic increment. A written offer must be signed and must state the bidder’s contact details, the maximum amount of the offer and the Huutokaupat.com listing number to which the offer relates. A written offer is binding and the same conditions as for the online auction apply. The offer must be submitted no later than 30 March 2026 at 10:00 to the Enforcement Authority’s Kouvola office, Vuorikatu 1, 45100 Kouvola, or by e-mail to kouvola.realisointi.uo@oikeus.fi.

The enforcement authority reserves the right to end the sale or to extend the sales period.

Bids placed in the online auction are binding. If a bid is accepted, the bidder is obliged to pay the offered purchase price within the stated payment period. Failure to pay the offered purchase price may lead to the buyer’s liability for compensation under Chapter 5, section 25 of the Enforcement Code.

The buyer must immediately pay a deposit of 20 percent of the purchase price to the Enforcement Authority’s official account. The deposit cannot be paid by credit card. The Enforcement Authority will contact the highest bidder whose bid is accepted. The highest bidder must state on whose behalf the bid was made. Otherwise the highest bidder will be considered the buyer.

If necessary, up to six weeks’ payment time may be granted for the remaining purchase price. Any payment extension will be notified separately. If payment time is granted, interest will be payable on the whole purchase price at the annual rate provided in section 3(2) of the Interest Act for the entire agreed payment period from the date of sale until the end of the payment period. If no payment time is granted, the purchase price must be paid immediately after acceptance of the bid. If payment is not made within the specified time, the buyer must pay late interest on the whole purchase price in accordance with section 4(1) of the Interest Act until the purchase price is paid or a new sale has been completed. The current rate of late interest is 9.50%.

Buyer’s obligations and rights transferred

According to the attached property manager’s certificate dated 19 February 2026, the arrears of charges and similar items total €9,380.71 as at 19 February 2026. The apartment has been taken into the company’s possession. The apartment is not rented.

The above arrears amount also includes the former tenant’s unpaid February rent. The tenancy agreement ended on 28 February 2026. As the unit has been taken into the company’s possession, the new owner has the right under the Limited Liability Housing Companies Act to obtain possession before the end of the possession period after having paid, with interest, all costs arising from taking possession, costs incurred to the company for repairing the apartment unit, unpaid maintenance charges and those maintenance charge instalments that fall due for payment during the period of possession (Limited Liability Housing Companies Act, chapter 8, section 7 and chapter 6, section 2(2)).

If the buyer does not pay the housing company’s claims in full, the company’s decision to take possession binds the buyer and the company may relet the apartment to cover its claims. The buyer’s personal liability for arrears incurred during the previous owner’s period is then determined under chapter 3, section 7 of the Limited Liability Housing Companies Act, i.e. the new owner is jointly and severally liable with the previous owner for maintenance charge arrears and other payments referred to in chapter 3, section 2(2). The maximum liability equals the amount of the maintenance charge for the month in which ownership transferred and for the five months immediately preceding it. The amount of the above claims changes monthly and overdue claims accrue interest.

NOTE! Housing company claims encumbering the unit are not paid from the purchase price. The purchase price is therefore not a so-called debt-free price. The buyer must personally ensure payment of obligations related to the apartment that fall to them vis-à-vis the housing company. Bids in the online auction should take these matters into account. In addition to the cash purchase price, the buyer will assume the apartment’s share of the housing company loan of €6,711.39 as at 28 February 2026.

The apartment’s share of the housing company loan remains payable by the buyer and is not paid from the purchase price. Buyers are advised to familiarise themselves thoroughly with the property, the sales brochure and the attached documents before making an offer.

The property is seized and will be sold by the enforcement officer by open sale, applying the general auction terms laid down in the Enforcement Code where applicable. The sales brochure is indicative and does not provide a comprehensive description of the property.